Peoples Financial (OTCMKTS: PFBX – Get a rating) and Berkshire Bancorp (OTCMKTS: BERK – Get a rating) are both small cap finance companies, but which business is superior? We’ll compare the two companies based on their risk strength, valuation, institutional ownership, earnings, dividends, profitability, and analyst recommendations.
Valuation and benefits
This table compares earnings, earnings per share (EPS), and valuation of Peoples Financial and Berkshire Bancorp.
|Gross revenue||Price/sales ratio||Net revenue||Earnings per share||Price/earnings ratio|
|Peoples Financial||$26.76 million||2.59||$8.58 million||$1.07||13.83|
|Berkshire Bancorp||$20.05 million||7.61||$2.70 million||N / A||N / A|
Peoples Financial has higher revenues and profits than Berkshire Bancorp.
Insider and Institutional Ownership
11.4% of Peoples Financial shares are held by institutional investors. 28.1% of Peoples Financial stock is held by insiders of the company. By comparison, 70.4% of Berkshire Bancorp’s stock is held by insiders of the company. Strong institutional ownership indicates that endowments, hedge funds, and large fund managers believe a stock will outperform the market over the long term.
This table compares the net margins, return on equity and return on assets of Peoples Financial and Berkshire Bancorp.
|Net margins||Return on equity||return on assets|
|Berkshire Bancorp||N / A||N / A||N / A|
This is a breakdown of recent ratings from Peoples Financial and Berkshire Bancorp, provided by MarketBeat.
|Sales Ratings||Hold odds||Buy reviews||Strong buy odds||Rating|
|Peoples Financial||0||0||0||0||N / A|
|Berkshire Bancorp||0||0||0||0||N / A|
Volatility and risk
Peoples Financial has a beta of 0.51, which means its stock price is 49% less volatile than the S&P 500. In comparison, Berkshire Bancorp has a beta of 0.04, which means its stock price is 96% less volatile than the S&P 500.
Peoples Financial beats Berkshire Bancorp on 7 out of 9 factors compared between the two stocks.
About Peoples Financial
Peoples Financial Corporation operates as a bank holding company for The Peoples Bank which provides banking, financial and trust services to government entities, individuals and small businesses and commercial enterprises in Mississippi. It accepts various deposits, such as interest-bearing and interest-free checking accounts, savings accounts, certificates of deposit, and individual retirement accounts (IRAs). The company also offers business, commercial, real estate, construction, personal and installment loans; and personal trusts, estate agencies and services, including living and testamentary trusts, executors, guardianships and guardianships. Additionally, it provides self-directed IRAs; and managing escrow, stock transfer and bond payment agency accounts to corporate clients. In addition, the Company offers various other services including safe deposit box rental, wire transfers, night deposit facilities, collection, cash management and internet banking. As of December 31, 2021, the company operated through 17 branches located in Harrison, Hancock, Jackson and Stone counties. It also has 28 ATMs in its branches, as well as other offsite and non-proprietary locations. The company was founded in 1896 and is based in Biloxi, Mississippi.
About Berkshire Bancorp
Berkshire Bancorp Inc. operates as a banking holding company for Berkshire Bank which provides community banking services primarily to businesses, professionals and retail customers. The company offers savings statements, NOW, money market deposits and checking accounts, as well as certificates of deposit. It also provides commercial and industrial, commercial and residential real estate, multi-family real estate, construction and consumer loans, as well as mortgage and leasing services. Additionally, the company offers ATM and debit cards; safes; bill payment, collection, remote deposit capture and currency exchange services; and mobile, telephone and online banking. It operates through two branches located in Manhattan; four branches located in Brooklyn, New York; four branches located in Orange and Sullivan counties in New York State; and a branch located in Teaneck, New Jersey. Berkshire Bancorp Inc. was founded in 1871 and is headquartered in New York, New York.
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